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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $284,521 | $117,904+141.3% | $102,457+177.7% | $145,978+94.9% |
| Participation rate | 44.4% | 78.6%-34.2pp | 76.5%-32.0pp | 80.3%-35.8pp |
| Annual return | 9.52% | 31.80%-22.3pp | 29.41%-19.9pp | 550.52%-541.0pp |
| Employer contribution / active EE | $1,549 | $3,613-57.1% | $3,022-48.7% | $4,662-66.8% |
| Participant deferral / active EE | $1,821 | $5,733-68.2% | $5,054-64.0% | $6,690-72.8% |
| Admin fee / account holder | $0 | $13,329-100.0% | $9,451-100.0% | $13,400-100.0% |